Hillsboro’s citywide median home price of approximately $498,000 to $525,000 in early 2026 places most transactions well within the 2026 Washington County conforming limit of $832,750. But the Silicon Forest premium operates at the neighborhood level, not the city level, and the premium is specific and documented. Northwest Hillsboro — the corridor bordering Intel’s Ronler Acres campus and the Jones Farm campus, the primary landing zone for senior Intel engineers and technology executives — posted a median sale price of $570,000 in February 2026. Orenco Station’s single-family homes command a median near $575,000 and the neighborhood consistently ranks at the top of Hillsboro’s price tier. Reed’s Crossing, Oregon’s largest master-planned community in South Hillsboro, delivers new construction across a wide range — David Weekley Homes from $400,000 to above $650,000, Stone Bridge Homes NW from $770,000 to $800,000 at the premium end of the community.
A Silicon Forest borrower purchasing a $750,000 home in Northwest Hillsboro with 15% down has a loan of $637,500 — conforming. At 5% down on a $900,000 Stone Bridge home in Reed’s Crossing, the loan is $855,000 — jumbo. For Hillsboro’s senior technology professionals — Intel principal engineers, Genentech research scientists, Qorvo and Nvidia engineering managers — the income to support these purchases is often present, but it is structured in ways that conventional lenders find difficult: RSU vesting schedules from publicly traded companies, annual performance bonuses that vary with corporate results, deferred compensation arrangements, and in some cases dual-income technology households where both partners carry equity compensation from different Silicon Forest employers. At Loans by Lehrman, jumbo documentation for technology sector borrowers is a core competency.
A jumbo mortgage in Hillsboro is any conventional home loan that exceeds the 2026 Washington County conforming limit of $832,750. These loans are portfolio-held and underwritten according to the lender’s own guidelines.
Key Features of Hillsboro Jumbo Loans:
Loan amounts from $832,751 and above
Minimum credit score typically 680–720 depending on program and amount
Down payments as low as 5%–10% for qualified borrowers
Six months of payment reserves typically required
Fixed and adjustable rate options
Income documentation accommodating W-2, RSU, bonus, deferred compensation, and dual-income technology households
No private mortgage insurance on most programs
Primary residence, second home, and in select programs investment property eligibility
For Hillsboro buyers purchasing in Northwest Hillsboro, Orenco Station, Reed’s Crossing’s upper tier, and Witch Hazel Village premium builds where loan amounts exceed the conforming limit. Documentation structured for Intel, Genentech, Qorvo, Nvidia, and other Silicon Forest employer compensation profiles including RSU vesting, performance bonus, and deferred compensation analysis.
For Hillsboro’s most premium properties — custom builds in West Union and rural Washington County, executive estates at the top of the Northwest Hillsboro corridor. Covered on our Super-Jumbo page.
For Kaiser Permanente Westside Medical Center physicians and OHSU Health Hillsboro Medical Center clinicians purchasing in Northwest Hillsboro, Orenco Station, or Reed’s Crossing above the conforming limit. Combines no-PMI physician loan features with higher loan amounts suited to Hillsboro’s premium neighborhoods.
Northwest Hillsboro — $540,000 to $800,000-plus
Northwest Hillsboro is Hillsboro's most Intel-adjacent established residential neighborhood, positioned between Ronler Acres and the Tanasbourne retail corridor. Homes are predominantly 1990s-to-2000s two-story construction in the 1,800 to 2,400 square foot range, zoned for Liberty High School, and populated by Intel engineers and other technology professionals who want a minimal commute and consistent neighborhood quality. The February 2026 median sale price was $570,000, representing Hillsboro's highest neighborhood-level median for existing homes. Properties at the upper end of this submarket — larger lots, updated interiors, cul-de-sac settings — regularly approach and exceed the conforming threshold for buyers with less than 20% down.
Orenco Station — $475,000 to $750,000-plus (single-family)
Orenco Station is Hillsboro's award-winning transit-oriented
development, built around the MAX Blue Line station and designed to place retail, dining, green space, and residential within a walkable quarter-mile radius. The neighborhood's townhomes, condos, and single-family homes attract Intel employees, remote technology workers, and Portland metro professionals who value the combination of MAX transit access and neighborhood character. Single-family homes in Orenco Station carry a median near $575,000. At the upper end — larger lots adjacent to Orenco Woods Nature Park, custom-finished
single-family builds — values exceed $700,000 and approach the conforming threshold.
Reed's Crossing — Stone Bridge Tier ($770,000 to $800,000-plus)
Reed's Crossing is Oregon's largest master-planned community, with over 4,000 homes from multiple builders across several price tiers. At the upper end, Stone Bridge Homes NW delivers semi-custom, Earth Advantage-certified homes in the $770,000 to $800,000 range — the most premium new construction in the Hillsboro market. These homes attract Silicon Forest executives, senior Intel engineers, and Genentech research leaders who want the combination of new construction specifications, environmental certification, and Reed's Crossing's 23-acre Greenway amenity base. Buyers at this price point with standard down payments regularly require jumbo financing.
Witch Hazel Village — $500,000 to $700,000-plus
Witch Hazel Village in South Hillsboro is an active development corridor adjacent to Reed's Crossing and The Reserve Vineyards & Golf Club. Newer homes here feature larger lot footprints than the production-dense core of Reed's Crossing, with prices climbing toward $700,000 and above for the most premium configurations. The Reserve Vineyards adjacency creates a distinctive lifestyle setting — a championship golf course visible from residential lots, Pinot Noir country just to the south — that draws buyers willing to pay a premium for that combination.
Intel RSU income documentation expertise — two-year vesting history analysis, grant schedule review, expectation-of-continuance assessment after the 2025 restructuring
Silicon Forest extended employer coverage — Genentech, Qorvo, Nvidia, Tokyo Electron, NTT Global, and other Washington County technology employers
Dual-income technology household analysis — two RSU schedules, two bonus histories, documented correctly
Physician jumbo for Kaiser Permanente and OHSU Health Hillsboro physicians
Down payments from 5%–10% for qualifying jumbo borrowers
Familiarity with Reed's Crossing's builder tiers and what each requires in financing structure
Seven-day availability for Silicon Forest professionals on demanding technical schedules
Ryan Lehrman, NMLS #235295
Credit: Minimum 680–720 depending on loan amount and program; 740+ for most competitive pricing
Income: W-2 base salary, documented RSU vesting history (typically two years), performance bonus two-year average, deferred compensation; dual-income Silicon Forest households analyzed in full
Reserves: Minimum six months PITI; Intel 401(k) and ESOP balances typically documentable as reserve assets
Property: Single-family homes, townhomes, and approved condominiums; primary residence and second home eligible
Pre-qualification and income analysis — We assess your complete Silicon Forest compensation profile — base salary, RSU vesting schedule, bonus history, and any deferred compensation — before identifying the right jumbo program.
Documentation strategy — For Intel, Genentech, Qorvo, and Nvidia professionals, we structure the income file to present two-year RSU history, bonus averaging, and expectation-of-continuance correctly and completely.
Appraisal coordination — Jumbo appraisals in Northwest Hillsboro, Orenco Station, and Reed's Crossing require lenders who understand Silicon Forest neighborhood value drivers; we coordinate directly.
Underwriting and approval — We manage the jumbo underwriting timeline proactively and keep you informed at every step.
Closing — We coordinate with your agent, title, and escrow for a smooth close on your Hillsboro upper-tier property.
Yes, provided the employee remains in an active position with continued RSU grants and has a two-year documented vesting history. The 2025 restructuring affected some employees' grant schedules; we analyze each borrower's current grant status, vesting history, and position security individually rather than applying a blanket treatment. For Intel employees whose grant size was reduced during the restructuring, we calculate the blended income accurately and build the strongest supportable qualification picture.
Intel, Genentech, Qorvo, and similar Silicon Forest employer performance bonuses are typically includable in jumbo qualification when the borrower has received the bonus in each of the two prior tax years and there is reasonable expectation of continuance. The average of the two-year history is used as qualifying income. Years where the bonus was significantly impacted by company-wide restructuring or below-target performance may be weighted differently depending on the lender program; we identify the documentation approach that most accurately reflects the borrower's sustained earning capacity.
No. Multiple programs allow 5%–10% down for qualified Hillsboro jumbo borrowers. Physician jumbo programs may allow 0% down for qualifying physician borrowers. The specific requirement varies by loan amount, borrower credit profile, and program tier.
Ready to finance your upper-tier Hillsboro property? Schedule a confidential consultation today.
Originally from Harrisburg, Pennsylvania, I moved to Phoenix to attend Arizona State University and have proudly called Phoenix home ever since.
My journey into the mortgage industry began with a friend’s encouragement, who saw how my energy and people-first mindset could make a difference. He was right — I found my calling.
I’ve always embraced what makes me different. With ADHD as my secret weapon, I thrive in fast-paced, detail-heavy environments. I’ve built my career on clear communication, creative problem-solving, and putting clients first, always.
Outside of work, my greatest motivation is my wife and three amazing kids. I’d be honored to help guide you through your lending journey with care, clarity, and commitment.
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